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Example research essay topic: Habitat For Humanity Affordable Housing - 1,062 words

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... Humanity? Habitat for Humanity is a nonprofit, Christian housing ministry. HFH seeks to eliminate poverty housing and homelessness from the world, and to make decent shelter a matter of principles and action. How does it work? Through volunteer labor and donations of money and materials, Habitat builds and rehabilitates simple, decent houses with the help of the homeowner (partner) families.

Habitat houses are sold to partner families at no profit, financed with affordable, no-interest loans. The homeowners' monthly mortgage payments are used to build still more Habitat houses. Habitat is not a giveaway program. In addition to a down payment and the monthly mortgage payments, homeowners invest hundreds of hours of their own labor -- sweat equity -- into building their Habitat house and the houses of others. What does a Habitat house cost? Throughout the world, the cost of houses varies from as little as $ 800 in some developing countries to an average of $ 46, 600 in the United States.

Habitat houses are affordable for low-income families because there is no profit included in the sale price and no interest charged on the mortgage. Mortgage length varies from seven to 30 years. What are Habitat affiliates? Habitat for Humanity's work is accomplished at the community level by affiliates -- independent, locally run, nonprofit organizations. Each affiliate coordinates all aspects of Habitat home building in its local area -- fund raising, building site selection, partner family selection and support, house construction and mortgage servicing. More than 1, 500 Habitat for Humanity affiliates are at work in the United States, building houses in partnership with people in need of decent, affordable housing.

Habitat houses are purchased by families at prices affordable to low-income Americans, thanks to the donated labor of Habitat volunteers, the support of partner organizations and the no-profit, no-interest terms of every Habitat for Humanity mortgage. Habitat for Humanity has helped change the lives of more than 30, 000 American families since its first U. S. affiliate was founded in San Antonio, Texas, in 1978, according to habitat. org.

Habitat for Humanity International's headquarters, located in Americus, Ga. , USA, provides information, training and a variety of other support services to Habitat affiliates worldwide. All Habitat affiliates are asked to give 10 percent of their contributions to fund house-building work in other nations. This provides much-needed funds for international building, and it also gives affiliates the opportunity to demonstrate the spirit of Christian partnership. In 2001, U. S.

affiliates contributed over $ 9 million to support Habitat's work overseas. Some affiliates in developing countries also receive funding grants from Habitat for Humanity International. Where does Habitat for Humanity operate? Habitat is a worldwide, grass-roots movement. There are more than 2, 100 active affiliates in 100 countries, including all 50 states of the United States, the District of Columbia, Guam and Puerto Rico.

How are the partner families selected? Families in need of decent shelter apply to local Habitat affiliates. The affiliate's family selection committee chooses homeowners based on their level of need, their willingness to become partners in the program and their ability to repay the no-interest loan. Every affiliate follows a nondiscriminatory policy of family selection. Neither race nor religion is a factor in choosing the families who receive Habitat houses. Now why should you get involved?

Habitat addresses local housing needs; families receive the benefits of home ownership, stability, security, a sense of dignity and pride, and also improved control over financial circumstances. Habitat benefits the community by developing responsible residents who have a stake in the future of their community, bringing up property values and attracting further investment in the community. Personally youll get a sense of accomplishment. Youll know that you made a difference in someones life. That instead of using your free time to go to the beach, you took the initiative to sign up, and help out a family in need.

This will set you apart from everybody else and it looks great on a resume. Now heres what you can do to help. Next Slide 1. Volunteer your time (skilled or unskilled) labor, office work, administration, fundraising, and promotion; they need volunteers in all aspects of the organization. But they have a special need for those with roofing, framing, drywall, plumbing, and electrical skills. Usually 20 - 40 volunteers are needed when they build houses.

The houses are built over a 4 week period with volunteers working three days a week. 2. You can make a tax deductible contribution or a monthly pledge. 3. Sponsor a house, donate land, or offer a no interest loan. 4. Schedule a presentation about Habitat for Humanity with your church, school, or other organizations to interest them in a partnership program with Habitat for Humanity. An organization could sponsor the labor or the materials or both for an entire house or share with another organization. 5. Donate materials: they are really in need of goggles, screwdrivers, 25 foot tape measures and face masks.

Next Slide In conclusion, I have told you today why HFH is needed, how HFH helps, why you should get involved and what you can do to help. If you are willing to get involved, give HFH a call and they will be glad to have you as part of their team. For more information contact the Northwest INDIANA HABITAT FOR HUMANITY at 937 - 2292, or stop by 6219 Calumet Avenue, Hammond, IN 46324. You can also visit their website at nwi habitat.

com or HFH main site at habitat. org. Remember that the need for decent, affordable housing is great and HFH helps fill that need. Volunteers are always needed so get out there and help. Bibliography Habitat for Humanity International.

web Northwest Indiana Habitat for Humanity. web Harvard University's Joint Center for Housing Studies, The State of the Nation's Housing 2004. The U. S. Census Bureau's 2004 American Housing Survey. Dreier, Peter, "The New Politics of Housing, " Journal of the American Planning Association, Vol. 63, No. 1, Winter 1997, American Planning Association, Chicago, Ill.

Budget Info for HUD. The National Low Income Housing Coalition, Out of Reach 2003: America's Housing Wage Climbs. Income and Poverty: American Fact finder. The United Nations Commission on Human Settlements US Habitat II Progress Report, 1997 through 2003. UNCHS (The United Nations Centre for Human Settlements) State of the Cities Report 2001 March


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